caja cerro de la silla sc de ap de rl de cv

What caja cerro de la silla sc de ap de rl de cv does

Caja Cerro de la Silla, S.C. de A.P. de R.L. de C.V. is a Mexican savings and loan cooperative (Cooperativa de Ahorro y Pr\u00e9stamo) founded in 1962 and headquartered in Monterrey, Nuevo Le\u00f3n. The cooperative provides savings products, fixed-term investments, and a comprehensive suite of more than twelve loan products to individual members (socios) across 18 physical branches in Nuevo Le\u00f3n and Coahuila. Loan products span consumption credit, movable-asset and real-estate-secured lending, housing finance (CCS Credi-Vivienda at 9.60% annual), vehicle financing (Crediauto at 10.00% annual), and progressive credit-building instruments for newer members. All deposit products are protected by the Fondo de Protecci\u00f3n up to 25,000 UDIS under the cooperative's CNBV authorization granted on June 13, 2012.

The cooperative's revenue model is anchored on the interest-rate spread between deposit rates (1.00%-1.50% on savings accounts and 2.20%-4.00% on fixed-term deposits) and loan rates (9.60% to 30.00% depending on product and risk profile), supplemented by loan origination fees, late-payment charges, and initial membership contributions. Technology footprint is traditional: a corporate website, WhatsApp Business chat integration via Joinchat for member inquiries, Bur\u00f3 de Cr\u00e9dito integration for credit-bureau checks, and FENORESTE as the back-office banking systems provider. There is no native mobile application, no online account-opening flow, and no AI-driven automation disclosed. Loan applications, onboarding, and advisor consultations are conducted in-branch.

Member acquisition is conducted through the physical branch network, organic social channels (Facebook, Instagram), referral incentives embedded in the Pr\u00e9stamo Aniversario product, member assemblies, and cooperative education programs for new joiners. The member base is granular and retail in nature, with individual entry contributions of $2,000 MXN and minor accounts at $50 MXN monthly. Governance is democratic under cooperative principles, with each member holding one vote regardless of contribution size. Ownership commentary confirms no parent company or external investment structure; the entity is wholly member-owned.

Name

caja cerro de la silla sc de ap de rl de cv

Legal name

Caja Cerro de la Silla, S.C. de A.P. de R.L. de C.V.

Website

https://cajacerrodelasilla.com.mx

Company type

Private

Founded year

1962

Operating status

Operating

Short description

Caja Cerro de la Silla is a member-owned savings and loan cooperative founded in 1962, serving individual retail members across 18 branches in Nuevo Le\u00f3n and Coahuila, Mexico, with savings accounts, fixed-term investments, and a broad portfolio of personal, housing, and auto loans under CNBV supervision.

Ownership category

akta.pro rank

Product category

Cooperative savings and lending

NAICS

Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Cooperative savings loans
• Fixed-term investments
• Member-owned credit union
• Personal lending products
• Mortgage auto loans

Headquarters

HQ city

Monterrey

HQ country

Mexico

HQ region

Latin America

Offices19 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Rate Spread: Primary revenue from spread between interest paid on savings deposits (1.00%-1.50% for savings accounts, 2.20%-4.00% for fixed-term investments) and interest charged on loans (ranging from 9.60% to 30.00% depending on product type, term, and member relationship)
2. Loan Origination Fees: Fees charged for loan processing including credit evaluation, documentation, and administrative costs. Additional fees for late payments on loan installments
3. Membership Contributions: Initial certificates of contribution ($2,000 MXN) for becoming a member, plus annual fees for protection services (hazard protection insurance $150 MXN, funeral protection service $250 MXN)

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Caja Cerro de la Silla is a member-owned savings and loan cooperative that provides individual members with savings accounts, fixed-term investments, and a portfolio of twelve loan products (personal, secured, home, auto, progressive, and tenure-based). Members must contribute an initial $2,000 MXN certificate to join, and all savings and deposits are protected by the Fondo de Protección up to 25,000 UDIS under CNBV regulation.

Product overview

Caja Cerro de la Silla is a savings and loan cooperative (Cooperativa de Ahorro y Préstamo) operating as a unified financial services platform with three core product lines: savings accounts (Ahorro, Ahorro Menor, Ahorro Mayor, Cuenta Corriente), fixed-term investments (Inversión/Depósito a Plazo Fijo), and a comprehensive suite of loan products. The loan portfolio includes twelve distinct products addressing various needs: Préstamo Ordinario for general purposes, Crédito Simple con Garantía Prendaria and Crédito Simple con Garantía Hipotecaria for asset-secured borrowing, Préstamo Sobre Depósito a Plazo Fijo for investment-backed credit, Préstamo Gerencial for immediate consumption needs, Préstamo Aniversario for long-term members, CCS Credi-Vivienda for home purchases, Préstamo de Confianza for progressive credit building, Préstamo Autoseguro for insurance financing, Préstamo Crediauto for vehicle purchases, and Préstamo Platino for premium members. The cooperative also offers complementary services including protections (seguro de protección de haberes), school support/scholarships, and funeral assistance. A loan simulator tool enables prospective members to calculate payments. All products are protected by the Fondo de Protección up to 25,000 UDIS.

Differentiator

Problem solved

Functional benefit

Products and services

• Ahorro Core savings account service that serves as the foundation for accessing loans; savings accumulate to increase borrowing capacity and build personal wealth for individual members.
• Ahorro Menor Savings account for minors managed by a parent or legal guardian to cultivate savings habits from an early age, with a fixed 1.50% annual interest rate, $50 MXN initial deposit and $50 MXN monthly savings requirement.
• Ahorro Mayor Primary savings account for adult members to accumulate wealth over time and serve as the base for obtaining loans, with a fixed 1.00% annual interest rate (GAT Nominal 1.00%, GAT Real -2.66%) and no opening or usage commissions.
• Cuenta Corriente Current account for deposits and withdrawals with immediate access to funds, offering 0.00% annual interest and not participating in promotions or counting as liquid guarantee for credits.
• Inversión / Depósito a Plazo Fijo Fixed-term investment product with terms of 28, 90, or 180 days; interest rates range from 2.20% to 4.00% depending on deposit amount and term, with a $1,000 MXN minimum; protected by Fondo de Protección up to 25,000 UDIS.
• Préstamo Ordinario General-purpose loan for various needs including repairs, maintenance, debt payments, and events, with minimum $15,000 MXN up to 600% of savings, term 12-36 months, and a 20% savings guarantee.
• Crédito Simple con Garantía Prendaria Secured loan using movable assets (vehicles, equipment) as collateral, up to 3% of net capital, term 36-96 months, fixed 24.00% annual rate, and 30% savings guarantee; CAT Average 27.2% without VAT.
• Crédito Simple con Garantía Hipotecaria Secured loan using real estate as collateral, up to 70% of appraisal value, term 36-96 months, fixed 16.20% annual rate, and savings guarantee plus mortgage contract.
• Préstamo Sobre Depósito a Plazo Fijo Loan secured against existing fixed-term investment, up to 90% of investment value, fixed 30.00% annual rate, CAT Average 34.5% without VAT.
• Préstamo Gerencial Immediate-disbursement consumption loan up to 80% of available savings, term 12-36 months, fixed 18.00% annual rate, with 100% savings as guarantee; CAT Average 19.8% without VAT.
• Préstamo Aniversario Special loan for members with 5+ years tenure and good savings history, ranging from $100,000 to $300,000 MXN depending on seniority (5-15+ years), at 19.20% standard rate or 16.00% preferential rate for members who recommend new members; term 36-96 months with 20% savings guarantee.
• CCS Credi-Vivienda Housing loan for purchasing homes, term 60-96 months, fixed 9.60% annual rate, requiring 10% savings guarantee plus a mortgage contract; CAT Average 9.6% without VAT.
• Préstamo de Confianza Progressive loan for members with previous credit history: first loan up to $3,000 MXN, second up to $5,000 MXN, third up to $15,000 MXN; term 12 months, rate 26.00% annual.
• Préstamo Autoseguro Loan for purchasing insurance policies covering pledge or mortgage-secured loans, up to $30,000 MXN, term up to 12 months, rate 24.00% annual.
• Préstamo Crediauto Vehicle financing for new or used cars (up to 5 years old), amounts from $70,000 to $1,200,000 MXN, term 6-72 months, fixed 10.00% annual rate, with 20% savings for personal use or 30% for commercial; CAT Average 10.016% without VAT.
• Préstamo Platino Premium loan for members with 3+ years tenure and liquidated credit history of at least $15,000 MXN, amounts $15,000-$30,000 MXN, term 12-24 months, fixed 19.20% annual rate, with 20% savings guarantee.
• Protecciones Protection and insurance services for members including seguro de protección de haberes (wage protection insurance, $150 MXN annually) and other coverage options.
• Apoyos Escolares School support program including scholarships and educational assistance rewarding member efforts and promoting financial education for members' children.
• Ayuda Funeraria Funeral assistance service providing $250 MXN coverage for family members in case of death, offering peace of mind and financial protection as part of the membership protection package.

Quantifiable outcome

• Interest rates on savings accounts ranging from 1.00% to 4.00% annual depending on product type
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Comisión Nacional Bancaria y de Valores (CNBV)coreOthersPrimary regulatory authority that authorized and supervises Caja Cerro de la Silla's operations as a savings and loan cooperative under LRASCAP regulations.
• CONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros)coreOthersFinancial consumer protection agency that handles complaints and disputes between financial institutions and users. Caja Cerro de la Silla maintains a UNE (Unidad Especializada de Atención a Usuarios) for member complaints.
• FOCOOP (Federación de Cooperativas de Ahorro y Préstamo)minorOthersFederation of savings and loan cooperatives in Mexico that provides support, training, and representation for member cooperatives.
• Banco de MéxicocoreOthersCentral bank of Mexico that issues currency, sets monetary policy, and provides financial system infrastructure that Caja Cerro de la Silla operates within.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Caja de Ahorro de los Empleados (CAFÉ): Latin American savings cooperative operating in Central America with comparable member-owned model, deposit-taking, and consumer lending activities. Similar scale and traditional branch-based service delivery, though in different geography.

Broad incumbents

• Banco Azteca: Major Mexican commercial bank with extensive branch network inside Elektra stores, targeting similar mass-market and underserved segments in Northeast Mexico. Provides competing savings and consumer loan products at national scale.
• BanCoppel: Mexican commercial bank focused on mass-market and underserved customers, with deep branch network across Mexico including Northeast. Directly competes for similar member demographic with deposit accounts, credits, and consumer loans.
• Compartamos Banco: Largest microfinance institution in Mexico offering personal loans, savings products, and financial services to underserved populations. Competitor for similar demographic segments but operates at national scale with broader digital infrastructure.

Direct peers

• Caja Popular Mexicana: One of Mexico's largest savings and loan cooperatives, offering a comparable suite of savings accounts, fixed-term investments, and consumer loans through a multi-branch network. Directly comparable business model under the same LRASCAP regulatory framework as Caja Cerro de la Silla.
• Caja Inmaculada: Mexican savings and loan cooperative serving members with deposit products and consumer loans through physical branches. Comparable regulatory framework, member-owned structure, and traditional in-person service model.
• Caja Morelia Valladolid: Mexican cooperative savings institution offering savings, credit, and investment products to members through a branch network. Directly comparable cooperative model under CNBV oversight with similar deposit-taking and lending activities.
• Caja Real del Potosí: Regional Mexican savings and loan cooperative operating across multiple states with a similar member-owned structure, physical branch model, and product mix of savings accounts, investments, and personal loans. Comparable scale and target member demographic.
• Caja San Pablo: Mexican savings and loan cooperative providing financial services to members via branch network across central Mexico. Operates under similar LRASCAP regulatory regime with comparable savings and personal loan product suite.

Others

• FENORESTE: Federation of Mexican cooperatives providing shared technology and infrastructure services (including core banking systems) to cooperative savings institutions including Caja Cerro de la Silla. Ecosystem participant rather than direct competitor, but enables the cooperative's operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cajacerrodelasillaoficial
• Instagraminstagram.com/cajacerrodelasilla_

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

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